I wonder if someone could take a second to explain this to me ... just trying to wrap my head around this. Let's say someone is a T-Mobile customer, owns their phone, and is interested in the iPhone 8 -- when shopping on Apple.com, for what reason would they select "T-Mobile" as their carrier, as opposed to simply selecting the SIM-free version, then transplanting their existing SIM upon receipt of the phone? What am I missing?
The T-mobile iPhones from the Apple Store are unlocked and have a T-Mobile SIM card already installed which you will have to take out. The issue with the T-mobile and AT&T phones are that they lack support for CDMA carriers like Sprint and Verizon.
The Sim-free iPhones are unlocked and support all carriers, both GSM and CDMA. They tend to get a slightly higher resale value.